Credit data analysis
First Claim
1. A computer-implemented method of electronic credit data analysis in an electronic environment, the method comprising:
- as implemented by one or more computer systems comprising computer hardware and memory, the one or more computer systems configured with specific executable instructions,receiving a request from a requestor for an electronic consumer credit analysis;
accessing, from an electronic data store over a network,consumer credit data associated with a plurality of consumers,wherein the requestor is one of the plurality of consumers;
designating a plurality of high scorers from the plurality of consumers, the plurality of high scorers each having associated credit scores that exceed a predetermined threshold;
calculating, with a processor, for each of one or more credit categories, a high scorers score based at least in part on consumer credit data associated with the plurality of high scorers; and
transmitting, over the network, to the requestor, the electronic consumer credit analysis including the one or more credit categories,the one or more high scorers scores for the respective credit categories, and consumer credit data associated with the requestor for the respective credit categories.
1 Assignment
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Accused Products
Abstract
A computer system receives credit information relating to a consumer and a number of high scorers, and determines credit score factors associated with the consumer and the high scorers. The system may construct flippable score factor displays comprising consumer specific information specific to a credit category that may be reversed to display explanatory text regarding how that credit category affects their credit report. The score factor display may include a comparison between the consumer'"'"'s scores and the high scorers'"'"' scores in a number of categories. Scores of high scorers may be periodically refreshed. Additionally, the group of high scorers may be limited according to a particular demographic, such as a geographic location, that may be selectable by a user.
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Citations
22 Claims
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1. A computer-implemented method of electronic credit data analysis in an electronic environment, the method comprising:
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as implemented by one or more computer systems comprising computer hardware and memory, the one or more computer systems configured with specific executable instructions, receiving a request from a requestor for an electronic consumer credit analysis; accessing, from an electronic data store over a network, consumer credit data associated with a plurality of consumers, wherein the requestor is one of the plurality of consumers; designating a plurality of high scorers from the plurality of consumers, the plurality of high scorers each having associated credit scores that exceed a predetermined threshold; calculating, with a processor, for each of one or more credit categories, a high scorers score based at least in part on consumer credit data associated with the plurality of high scorers; and transmitting, over the network, to the requestor, the electronic consumer credit analysis including the one or more credit categories, the one or more high scorers scores for the respective credit categories, and consumer credit data associated with the requestor for the respective credit categories. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A computer system comprising:
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one or more hardware processors in communication with a computer readable medium storing software modules including instructions that are executable by the one or more hardware processors, the software modules including at least; a user interface module configured to receive, from a consumer, a request for a credit score analysis; a data collection module configured to retrieve, from an electronic credit data store, credit information associated with the consumer and a plurality of other consumers; and an analysis module configured to determine a set of scorers from the plurality of other consumers, and determine, for each of a plurality of score factors, a consumer score and a scorers score, wherein the user interface module is further configured to provide, to the consumer, an analysis comprising, for each of the plurality of score factors, the consumer score and the scorers score. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17)
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18. Non-transitory computer storage that comprises executable instructions configured to cause one or more computer processors to perform operations comprising:
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receiving first consumer credit information associated with a consumer, wherein the received consumer credit information comprises summary data associated with categories of credit information that impact a credit score of the consumer; receiving second credit information relating to a plurality of consumers with credit scores above a predetermined threshold, wherein the received second credit information comprises summary data of the plurality of consumers associated with the categories of credit information; and generating, for display on a touch sensitive computing device, a user interface comprising a plurality of panes associated with respective categories of credit information, wherein each pane is configured to provide a comparison between the first consumer credit information associated with the respective category and the second credit information associated with the respective category. - View Dependent Claims (19, 20, 21, 22)
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Specification